t, you said "If you want to save for retirement, life insurance premiums and high expense wrap around products are not the way to do it effectively"

It just seems that you refuse to see that their are two sides to every issue and that such a blanket statement is flat out wrong. There are situations in which such a policy provides a combination of advantages which make sense for that individual. These policies allow one to essentially "overfund" an insurance product with after tax dollars that grow tax deferred for as long as the policy is in place.(over time this can outpace brokerage type accounts despite higher fees) The accumulated assets can be accessed via internal loans and thus are essentially tax free (depending on how much of the death benefit one wants to keep in place). From both a retirement and estate planning point of view they can be beneficial. In no way do I say they are for all comers but I also don't dismiss them as you do.

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